Kotak Royale Signature
Mid-tier shopping/dining card with solid fee waiver economics.
External link to Kotak Mahindra Bank’s own application page.
The Kotak Royale Signature costs ₹999 a year, waived at ₹2,50,000 annual spend. It earns 4% on shopping and 1% on everything else. Forex markup is 3.5%. These figures are from our catalog and have not yet been re-verified against the issuer.
5-year value calculator
How much Kotak Royale Signature actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
What does the Kotak Royale Signature earn?
What you earn back, by category.
2,000 reward points worth ₹500 + Pizza Hut voucher
What do you get with the Kotak Royale Signature?
- 4 reward points per ₹150 on shopping + dining
- 1 reward point per ₹150 on other spends
- 2 complimentary domestic lounge visits per quarter
- Buy-1-get-1 movie ticket at PVR (Tuesdays)
- 1% fuel surcharge waiver
Who qualifies for the Kotak Royale Signature?
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Kotak Royale Signature FAQ
›What is the Kotak Royale Signature annual fee?
The annual fee is ₹999. It is waived if you spend ₹2,50,000 in a year.
›What does the Kotak Royale Signature earn?
It earns 4% on shopping and 1% on everything else.
›What is the Kotak Royale Signature forex markup?
The Kotak Royale Signature charges 3.5% forex markup on foreign-currency spends.
›What income do you need for the Kotak Royale Signature?
The stated minimum income is ₹3,00,000 a year. Banks treat this as a guideline, not a hard cutoff.
›What is the Kotak Royale Signature welcome bonus?
2,000 reward points worth ₹500 + Pizza Hut voucher.
›Are these Kotak Royale Signature figures verified?
These figures are from our catalog and have not yet been re-verified against the issuer.
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